Two credit cards make it easy to pay for housing and earn rewards. Just make sure to pay your balance off each month.

Is a balance transfer a good idea? It could be because it gives you time — often a year or more — to pay off the debt you transfer from another issuer’s card.

Understanding these steps can demystify the process and help you find the right approach to get rid of your debt.

For some, that won't be possible. If you fly Alaska Airlines with another person at least once a year, this card is a must-have. Be aware, however, that Alaska doesn't fly everywhere.